time to enroll

2021 Annual Enrollment Benefits GuideMake Your Selections Oct. 5–23

TIME TO ENROLL

BLUE CROSS BLUE SHIELD AND KAISER

In 2021, associates on UMR will be moved to the Blue Cross Blue Shield (BCBS) network. Kaiser Permanente will continue to be offered in states where available. Even though our BCBS plan is located in Alabama, associates across the country have access to a national network of providers and facilities.

ENHANCED FAMILY SUPPORT BENEFITS

In the spring, we’ll introduce a new partner to help you and your loved ones along your personal journey as you grow your family. From pre-conception, fertility and pregnancy to adoption, return-to-work or parenting, this benefit offers support to you along the way.

HIGH BLOOD PRESSURE MANAGEMENT

We’re introducing a new partner to assist with managing hypertension (high blood pressure). Participating in this program may help you reduce your risk of heart disease and stroke.

VIRTUAL BETTERHELP THERAPY P

Using TalkSpace as part of our calm program? The TalkSpace service has changed to provide you with more enhanced virtual therapy through BetterHelp. If you weren’t using TalkSpace, but are interested in receiving counseling or coaching services at no cost to you, BetterHelp therapy can connect you with a licensed therapist via text, live chat, phone or video.

SUBSTANCE USE CENTER OF EXCELLENCE

If you or someone in your family is struggling with a substance use disorder, we will have a Centers of Excellence (COE) program to provide you with support and resources. A COE program offers access to highly specialized care to treat a particular issue, in this case, substance use disorders. The program will provide a higher level of coverage than before for certain substance use disorder treatments at select national treatment facilities. The COE is here to assist full-time associates and their dependents enrolled in a Lowe’s BCBS medical benefit option.

Smart-ChoiceTM FOR SAVING AND SPENDING ACCOUNTS

We’re introducing a new platform – Smart-Choice – to administer your Healthcare Flexible Spending Account (FSA), your Health Savings Account (HSA) and your Dependent Care FSA (DFSA). Smart-Choice will replace Your Savings AccountTM (YSA) and be your one-stop shop for all your tax-favored savings and spending account needs.

METLIFE® LEGAL PLANS P

Hyatt Legal Plans is being rebranded as MetLife Legal Plans. This rebrand will continue to provide the same customer service and access to experienced attorneys you’re used to.

At Lowe’s, we demonstrate commitment through our comprehensive and competitive benefit offerings. We’re committed to supporting you and your family.

Annual Enrollment for 2021 benefits is Oct. 5–23. This is the time to select the offerings that will work best for you in the coming year. Please review the information in this guide and keep it for reference throughout the year. The more you know, the better prepared you’ll be when you or a covered member of your family needs care in the coming year.

What’s New? We have several benefit enhancements that will be offered to

full-time and part-time associates in 2021.

For all part-time associates: Look for a green marker, which denotes benefits that are also available to you!

PART-TIME BENEFITS P

MyLowesBenefits.com | 21 | 2021 Annual Enrollment Guide

Reminders• Annual Enrollment begins Monday, Oct. 5 at 12 a.m. CT

and ends at 11:59 p.m. CT on Friday, Oct. 23. Log into MyLowesBenefits.com and select the Annual Enrollment tile to get started.

• Unless you make changes to your benefits during Annual Enrollment, your current coverage as of Dec. 31, 2020 will carry over into the most similar coverage option available on Jan. 1, 2021.

• However, Healthcare Flexible Spending Account (FSA), Health Savings Account (HSA) and Dependent Care Flexible Spending Account (DFSA) contributions, as well as completion of your Activation Reward do not roll over. That means you must take action to re-enroll each year in these benefits or they revert to $0 on Jan. 1, 2021.

• For hourly associates, Lowe’s will match 50% of your contributions to the Dependent Care Flexible Spending Account (DFSA) up to a maximum match of $1,000 per year.

▶ The DFSA can be used to pay for daycare, day camps, and other eligible expenses with pre-tax money, and Lowe’s will match half of your contributions up to the annual $1,000 limit to help! You must make an annual contribution during Annual Enrollment to receive the Lowe’s match.

Coverage for Additional Medical Costs for Full- and Part-Time Associates P

In addition to preventive care medical coverage, Lowe’s offers three Allstate® benefit plans to help cover additional medical costs if they arise.

Critical Illness: Receive a cash payout if a covered person has a serious disease or health condition like a heart attack, stroke or cancer.

Off-the-Job Accident: Receive a cash payout if a covered person is injured in an accident and incurs a health expense.

Fixed Indemnity: Receive a cash payout if a covered person has a hospital stay. Note: If you are expecting a baby in 2021 and delivering in a hospital, this benefit can help offset the cost of the hospital stay for you and your baby.

In addition, if any person covered under these plans has preventive care performed during the year, they can provide proof in a claim to Allstate and receive a $75 check for the Critical Illness plan and a $75 check for the Off-the-Job Accident plan (if enrolled in both). TIP: If you’re enrolling for the first time, wait 30+ days to have the preventive visit or the claim won’t be covered and you won’t receive the $75 check.

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Peace of Mind in Uncertain TimesLowe’s cares about your total well-being. That goes

beyond physical health and includes financial and

emotional well-being. We offer many additional benefits

to help you find and maintain wellness in all areas of

your life. Here are some savings tips:

Financial Well-being

• Review your Annual Enrollment selections carefully so you don’t end up paying for more medical, dental or vision coverage than you’re using. Don’t miss out on employer matching dollars to your Health Savings and Dependent Care Flexible Spending accounts. Evaluate your options carefully – you could uncover savings.

• Request an Auto or Home Insurance quote to see if a lower rate is available to you. Additional carrier information is accessible on Benefits Plus through MyLowesBenefits.com.

• BenefitHub can save you money on everyday purchases from top brands in a variety of categories. Visit lowes.benefithub.com to save on apparel, electronics, education, fitness, and more.

• A NEW Employee Stock Purchase Plan (ESPP) launches Dec. 1, with enrollment beginning Nov. 1. Enhancements include a new enrollment platform on the E*TRADE website and updated eligibility. Associates can purchase Lowe’s stock at a 15% discount. Participants in the previous ESPP will need to re-enroll for this new ESPP. Watch for more information in October.

• If you’re enrolled in Long-Term Disability (LTD), your plan includes free, 30-day money coaching services to support your household’s financial health. The LTD plan also includes will preparation services. Visit cigna.mysecureadvantage.com for more information.

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Need a leave of absence?Full-time associates: The Lowe’s Disability, Leaves and Accommodations Service Center, managed by Sedgwick, is available to help you with your workplace accommodation and leave of absence needs. They can assist with at-work medical accommodations, religious accommodations, medical and personal leaves of absence, military leaves and short-term disability. You can

reach them via MyLowesBenefits.com by clicking on the tile that says “Need to request a leave of absence including an

FMLA? Sedgwick can help” to begin a claim. You can also call 844-HR-LOWES (844-475-6937) Monday

through Friday, 7 a.m. – 7 p.m. CT.

Part-time associates: Call Sedgwick at 844-HR-LOWES (844-475-6937) to initiate a leave of absence. If you’re enrolled in the part-time Short-Term Disability plan, you will then be advised to contact Allstate to start a disability claim.

Need legal advice? Enroll in the MetLife High (Plus Parents) or MetLife Low legal plan and you’ll receive:

• A customer service team to match you with the right legal help

• Legal advice from attorneys in person or by phone

• In-court representation for certain covered legal matters

• Access to a mobile app and online tools for your convenience

• No copays, deductibles, or claim forms when using a network attorney for a covered matter

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Emotional Well-beingBecause emotional health impacts your whole life, including

your work, Lowe’s offers associates a variety of benefits to

help ease your mind when it comes to emotional concerns.

Caring for Children with Special Needs Caring for a child with learning, social, behavioral challenges or developmental disabilities like autism and ADHD can be challenging. Lowe’s offers eligible associates access to Rethink, a program that includes 24/7 virtual care through expert behavioral clinicians, as well as online evidence-based training and support for parents and caregivers of children of all ages.

Full-time associates: Visit lowes.rethinkbenefits.com or call 800-714-9285 for more information. Available at no-cost to full-time associates enrolled in a BCBS medical plan.

Lowe’s calm program provides access to care in a variety of ways with enhanced benefit solutions like BetterHelp. You can receive counseling in person, through text messaging, live chat, over the phone or by video conference.

• To make it easier to access licensed counselors, we offer confidential, online services through BetterHelp. You can send a counselor a secure, confidential message (text, video or voice message) whenever you need, and the counselor will typically engage at least two times a day, five days a week. Visit betterhelp.com/magellan to get started.

• You still have access to in-person counseling and will continue to receive five sessions at no cost to you or your household members. For access to in-person counseling sessions, please call 877-543-3875.

• In addition to BetterHelp, calm also provides web-based, confidential care programs for support with day-to-day concerns. With calm, you can receive the support you need to take care of yourself and your loved ones.

To access calm’s online, self-paced programs: Go to MyLowesLife > myHR > My Health & Well-being > View Your Benefits. Click on the Wellness Tab and select the calm tile. The calm program is available 24 hours a day, 7 days a week, 365 days a year.

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In addition to new Family Support benefits in 2021, we will continue our partnership with Progyny, a fertility benefit provider, to bring you an inclusive family building benefit and comprehensive coverage for every path to parenthood. Progyny is a fertility benefits Center of Excellence that provides member services, care management, claims processing and a secure member portal to full-time Lowe’s associates enrolled in a BCBS medical plan. To get started, call 833-283-1968 or visit progyny.com to learn about this benefit.

Fertility coverage through Progyny includes:

• IUI (Artificial Insemination)

• IVF (In Vitro Fertilization – Fresh or Freeze-All)

• Frozen Embryo Transfer

• Tissue Storage and Transportation

• Fertility Medications

• Concierge Patient Care Coordination and Emotional Support

• Comprehensive Consultations

• Adoption and Surrogacy Counseling

As a reminder: Lowe’s has comprehensive benefits to support you through various COVID-19 related disruptions, including child and dependent care challenges and challenges associated with mental and emotional strain caused by the pandemic. More information on these benefits can be found on myHR by searching “Calm” or by going to BenefitHub and searching “dependent care.”


Tools Available on MyLowesBenefits.com:

Use the Health Plan Comparison Tool to compare up to three medical plans. The tool will show you what is covered and the cost for each plan.

Need to find a provider or facility? Use the Find a Doctor, Dentist, or Hospital tile to help with your search.

Ready, Set, Activate!Act now to save $50 per pay periodNew this year, you will need to complete your Activation Reward through MyLowesBenefits.com. Kaiser Permanente members must also complete their Activation Reward via MyLowesBenefits.com to lock in their biweekly savings. You must complete 1 of the 3 Action Steps below to receive the biweekly Activation Reward of $50 to offset your medical premiums when you select an eligible medical option (Option 1, Option 2, or Choice Account Plus). That’s more than $100 per month in savings you don’t want to pass up!

The Medical Expense Estimator helps you estimate your medical costs for 2021. Enter your projected health care needs to see an estimate of the cost of those services under each plan.

You must reactivate even if you completed the Activation Reward

for 2020*

Check out the new interactive Tour Your Benefits video and complete one of three main topics:

• Understanding Your Benefits (Full-time associates)

• Life Events

• Tools and Resources

Take the new Benefits Survey – We want to hear from you! Take a quick, confidential survey and let us know what you think of our benefit offerings.

Complete your enrollment on MyLowesBenefits.com by:

• Making a new medical plan election or electing to continue your current medical option

• Submitting your enrollment elections and reaching the Completed Successfully page

* The 2021 Activation Reward is only available to Lowe’s full-time, benefits-eligible associates enrolled in Option 1, Option 2, or the Choice Account Plus Plan through BCBS and Kaiser. After Mar. 1, 2021, if you don’t activate your reward, your medical premium cost will increase by $50 per paycheck, for the rest of the year.

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TeladocTeladoc gives you 24/7 access to a U.S. board-certified

physician through the convenience of phone, video or mobile

app visits.

General MedicalWith Teladoc, you can talk to a doctor anytime, anywhere. You have convenient, affordable access to a network of physicians who can treat every covered member of the family. Prescriptions can be sent to your pharmacy of choice if medically necessary, and the first visit is at no cost to you if you are a first-time user. Complete your registration ahead of time so you’re ready to use Teladoc when needed. Teladoc services are available to full-time associates on a BCBS health plan. Telehealth services are also available to associates on a Kaiser Permanente plan.

Teladoc doctors can diagnose and treat many medical conditions, including:

• Allergies

• Cold & flu symptoms

• Pink eye

• Respiratory infections

• Sinus problems

• Skin problems

DermatologyYou have access to a board-certified dermatologist via web or mobile app to treat acute or ongoing skin conditions such as psoriasis, skin infection, rosacea, and more. You can securely share high-quality images and receive a diagnosis within two business days. Providers can prescribe approved medications if needed.

Contact Teladoc Visit teladoc.com/lowes or call 800-TELADOC (800-835-2362).

Need a Second Opinion?Avoid unnecessary medical costs with Grand Rounds. Get an

expert second opinion from the comfort of your home.

Top conditions supported by

Grand Rounds Expert Opinions

1. Back trouble

2. Brain and nerve conditions

3. Digestive tract problems

4. Hip pain

5. Cancer

6. Kidney or bladder issues

7. Heart conditions

8. Knee problems

9. Chronic pain

10. Reproductive issues

TOP

10Grand Rounds

As a no-cost health benefit for full-time associates on a BCBS health plan, Grand Rounds can help you avoid unnecessary medical procedures and costs by providing you with a second opinion from a world-class medical expert from the comfort of your own home.

With this benefit, you can arrange for an expert to double-check a diagnosis, verify if a procedure is right for you, and explore different or better treatment options. Find out more by logging into your grandrounds.com/lowes account or calling 888-243-6643 to connect to your care team today.

Grand Rounds can provide:

• Answers Grand Rounds remotely provides second opinions on medical issues from world-class doctors.

• Information They’ll tell you what you need to know about a condition or treatment.

• Support They can help you make informed decisions about surgeries and more.


ON A MAINTENANCE MEDICATION?

Make sure to fill your 90-day prescriptions through CVS Caremark Mail Service Pharmacy. In most cases, you can you have medication delivered in 1-2 days at no extra cost to you. With CVS’s Easy Prescription Transfer Tool, you can securely transfer your prescriptions to CVS Pharmacy. Visit caremark.com/movemymeds to transfer your medications.

13 | 2021 Annual Enrollment Guide

Plan Summary

Kaiser administers the prescription program for its medical plans. Associates enrolled in Kaiser should consult their HMO booklet or carrier for more details.

Here’s a quick summary of your benefits options for 2021. Go to MyLowesBenefits.com for complete descriptions of your benefits options and review the tools and resources available to you as you make your selections. All plan design elements shown below assume in-network providers. Care through out-of-network providers may lead to higher member costs. Health FOR FULL-TIME ASSOCIATES

Choice Account Plus Choice Account Option 1 Option 2

WHAT’S COVERED?

Annual Deductible Employee: $1,500

Employee + Children: $3,000 Family: $3,000

Employee: $2,000 Employee + Children: $4,000

Family: $4,000


Family: $3,000


Family: $4,500

Annual Out-of-PocketEmployee: $6,000 | Employee +

Children: $12,000 | Family: $12,000Employee: $6,000 | Employee +

Children: $12,000 | Family: $12,000Employee: $6,000

Employee + Children: $12,000 | Family: $12,000 Employee: $6,000

Employee + Children: $12,000 | Family: $12,000

Coinsurance 60% plan | 40% member 50% plan | 50% member 70% plan | 30% member 60% plan | 40% member

Wellness & Preventive 100% paid by plan

Primary Care 60% paid by plan 40% paid by member

after deductible

50% paid by plan 50% paid by member

after deductible

$30 copay $40 copay

Specialty Care $50 copay $60 copay

Prescription

Choice Account Plus

Choice Account Option 1 Option 2

WHAT’S COVERED?

Generic

60% paid by plan 40% paid by

member after deductible

50% paid by plan

50% paid by member after

deductible

$10 copay up to a 30-day supply

$15 copay up to a 30-day supply

Preferred Brand

35% ($35 min / $70 max) up to a

30-day supply

40% ($40 min / $80 max) up to a

30-day supply

Specialty$75 copay up to a

30-day supply$100 copay up to a

30-day supply

FOR FULL-TIME ASSOCIATES CVS Caremark administers the prescription drug plan for BCBS medical plans.

Note: This summary provides an overview for in-network services only. Kaiser Permanente does not include out-of-network coverage. Please visit MyLowesBenefits.com for detailed information on in-network and out-of-network benefits.

Health Savings Account (HSA)FOR FULL-TIME ASSOCIATES

Your Health Savings Account (HSA), which allows you to save pre-tax dollars to pay for eligible health care expenses, can grow faster if you are enrolled in BCBS or Kaiser Choice Account Plus. This is because Lowe’s will match your HSA contributions dollar for dollar up to a maximum of $500 for employee-only coverage, or $1,000 if you’re covering dependents. Remember, you must contribute funds in order to receive the Lowe’s match.

MyLowesBenefits.com | 14

High PPO Low PPO CIGNA Dental Care (DHMO) Now available in NC

WHAT’S COVERED? (PER CALENDAR YEAR)

Deductible $50 Individual / $150 Family No deductible

Class I: Diagnostic/ Preventive Care

100% covered by planYou incur no charge for the following services:

routine cleaning, x-rays, oral exams, topical fluoride, sealants: per tooth

Class II: Basic Restorative

80% covered by planThe DHMO sets the cost for services

based on a Patient Charge Schedule (PCS). The PCS is a list of fees for each covered service within the plan.

Refer to your PCS K1 | 09 on the Coverage tab of MyCigna for the costs.

Class III: Major Restorative

50% covered by plan

Class IV: Orthodontia 50% covered by plan Not covered

Calendar year maxYear 1: $1,800

Year 2: $1,900 / Year 3: $2,000Year 1: $800

Year 2: $900 / Year 3: $1,000No maximum

Ortho lifetime max $2,000 Not covered No maximum

USE A HEARING AID?

Did you know VSP Vision Plan members and dependents can save up to 60% on hearing aids with the TruHearing Discount Program? Call 877-396-7194, mention that you are a VSP member and have your appointment scheduled. You could reduce your hearing aid out-of-pocket expenses by taking advantage of this program.

High Low

WHAT’S COVERED?

Exam every calendar year

100% after $10 copay 100% after $15 copay

Lenses every calendar year

100% after $10 copay; Premium & custom progressives,

photochromic & anti-reflective coatings covered with additional

$10 copay

100% after $15 copay; Standard progressives covered

in full; Premium & custom progressives $40 copay

FramesEvery calendar year; Retail

allowance up to $220 with 20% discount above allowance

Every 2 calendar years; Retail allowance up to $170 with 20%

discount above allowance

Contact lenses every calendar year

$220 allowance for elective contacts; 100% for

medically necessary

$150 allowance for elective contacts; 100% for

medically necessary

You cannot obtain contacts and frames in the same calendar year.

FOR BOTH FULL- AND PART-TIME ASSOCIATES VSP (Vision Service Plan) administers the vision plan.Vision P

Dental P FOR BOTH FULL- AND PART-TIME ASSOCIATES The dental plan, administered by Cigna, offers coverage for preventive, minor and major dental care.


17 | 2021 Annual Enrollment Guide

Retirement

Full-Time Additional Benefits*

• 401(k)• Employee Stock Purchase

Plan (ESPP)

• Flexible Spending Accounts

• Health Savings Account• Fixed Indemnity Plan • Auto & Home Insurance

• Off-the-Job Accident Plan• Tuition Reimbursement • Life Insurance• Pre-Paid Legal • Paid Maternity Leave

• Paid Parental Leave• Track to the Trades• Critical Illness• Pet Insurance• ID Theft Protection

Income Protection Benefits• Basic Sick Pay• Short-Term Disability • Long-Term Disability

Part-Time Additional Benefits*• Critical Illness• Fixed Indemnity Plan• Off-the-Job Accident Plan• Life Insurance • Short-Term Disability

• Pre-Paid Legal • 401(k)• Employee Stock Purchase

Plan (ESPP)• Tuition Reimbursement

• Auto & Home• Pet Insurance• ID Theft Protection • Track to the Trades

*Additional benefits subject to benefit eligibility.

Kaiser Permanente Health

Kaiser Choice Account Plus

Kaiser Choice Account Kaiser Option 1 Kaiser Option 2

Kaiser Hawaii HMO

Kaiser Hawaii POS

KP Plan Contracted

WHAT’S COVERED?

Annual Deductible

Varies by region. Visit MyLowesBenefits.com

for Plan Design

Varies by region. Visit MyLowesBenefits.com for

Plan Design

Employee: $1,000Employee + Children: $3,000

Family: $3,000


Family: $4,500

Employee: $0Employee + Children: $0

Family: $0

Employee: $100Employee + Children: $300

Family: $300

Annual Out-of- Pocket

Employee: $6,000 Employee + Children:

$12,000 Family: $12,000


$12,000 Family: $12,000


$12,000 Family: $12,000


Family: $12,000

Employee: $2,500Employee +

Children: $7,500Family: $7,500


Family: $6,000

Coinsurance60% plan | 40% member after deductible is met

50% plan | 50% member after deductible is met

(Colorado: 40% member)70% plan | 30% member 60% plan | 40% member 90% plan | 10% member 80% plan | 20% member

Wellness & Preventive

100% covered by plan

Primary Care 60% paid by plan

40% paid by member after deductible is met

50% paid by plan50% paid by member after

deductible is met

$30 copay $40 copay $20 copay $20 copay80% paid by plan

20% paid by member after deductible

Specialty Care

$50 copay $60 copay $20 copay $20 copay80% paid by plan

20% paid by member after deductible

FOR FULL-TIME ASSOCIATES Please note, some plans have an aggregate deductible. Review the plan information in greater detail on MyLowesBenefits.com.

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Choosing a Kaiser Permanente plan option provides you exclusive access to a network of providers, facilities, global emergency and urgent care coverage. As a member, you can choose from a wide selection of skilled doctors. You can also change your doctor at any time, for any reason.

If you purchase a prescription drug from a non-network pharmacy, you will be required to pay full price and will not receive reimbursement under the Plan.

Health FOR PART-TIME ASSOCIATES This is a limited medical plan administered by UnitedHealthcare.

Preventive Plus

WHAT’S COVERED?

Annual Deductible There is no annual deductible, annual out-of-pocket

maximum, or coinsurance for the covered visits, but you will pay charges for additional services at the visits

Annual Out-of-Pocket

Coinsurance

Wellness & Preventive 100%

Primary Care 100%, Limited to six visits per covered person per calendar year

Surgical/Diagnostic Not covered

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FOR PART-TIME ASSOCIATES When you enroll in the part-time medical plan, you automatically have prescription drug benefits.

WHAT’S COVERED?

Generic 50%

Preventive Care Medications – Generic or Brand 100%

Prescription P

MyLowesBenefits.com | 18

Livongo

Livongo is a health benefit for those living with pre-diabetes, diabetes and high blood pressure. It is offered at no cost to you and your family members who have medical coverage through BCBS.

Health & Wellness Plan Benefits

Ask Accolade*Accolade provides you with a designated Health Assistant who gets to know you and your healthcare needs. This personal resource can help you:

• Navigate your Lowe’s benefits and use them effectively

• Establish a relationship with your in-network primary care provider

• Help you find in-network “sick” care as well as preventive care

• Assist with understanding bills and documents you may receive after receiving medical care

Here are three ways to connect with your Accolade Health Assistant:

1. Visit member.accolade.com and create an account.

2. Download the Accolade mobile app from Google Play or the Apple app store to send secure messages to your Health Assistant. Text ZLFK to 67793 to download. (Message and data rates may apply). Visit accolade.com for privacy policy.

3. Call 888-926-2404 to speak with your Health Assistant. Office hours are Monday through Friday, 8 a.m. – 8 p.m. ET. Nurses are also available after hours.

DID YOU KNOW?

With this program, you’ll receive unlimited strips with your Livongo glucose meter, including free delivery. When you need more strips, they will be delivered right to your door at no cost to you.

Preventive CarePreventive care is an important part of managing your health. Even if you feel healthy, you should still see a health care provider for regular checkups and recommended screening tests. These tests and checkups are two ways to prevent chronic diseases or detect them early.

If you work in a distribution center or store support center, you have access to preventive care at your work location. Visit the Premise Health Center at your location to gain insights into your health and receive help with managing chronic conditions such as diabetes or high cholesterol. Premise also has virtual visit options via video or phone. Our providers will also give you information on other Lowe’s programs, most available at no cost to you!

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*Accolade does not practice medicine or provide patient care. It is an independent resource to support and assist you as you use the healthcare system and receive medical care from your own doctors, nurses and healthcare professionals. If you have a medical emergency, please contact 911 immediately.

Enjoy the benefits of remote care from the comfort of home, including:

• Connected devices. Depending on your health goals, you could receive a free blood glucose meter, blood pressure monitor, and/or smart scale. These devices send readings right to an easy-to-use app.

• Support when you need it. Ask expert coaches your questions on nutrition, medications, or anything else related to your health.

• Secure messaging with providers. Securely send health reports to doctors to help them remotely manage your care.

• Coaching. Connect virtually with supportive health coaches who are ready to help you navigate your health during these extraordinary circumstances. Chat by phone, or ask quick questions in the Livongo app.

• 5-Day Challenges. Fun mini challenges help spark new habits around food, exercise, sleep, stress and more.

Sign up now at go.livongo.com/lowes/begin.

If you have any questions, call Livongo member support at 800-945-4355.


Education Benefits

Move your career forward with Guild education benefits of up to $2,500 per year. From business, management, and data analytics to skilled trades, Guild offers a wide range of programs tailored for working adults just like you. You’ll have support every step of the way – from application to graduation.

Track to the TradesPart-time and full-time associates are eligible after six months. You’ll receive:

• 100% of tuition paid up-front by Lowe’s

• Personalized education coaching

• Online skilled trade diplomas

▶ HVAC repair

▶ Appliance repair

▶ Construction

▶ Plumbing

Education AssistancePart-time and full-time associates are eligible after 90 days. You’ll receive:

• Up to $2,500 per year of tuition, paid up-front by Lowe’s

• Personalized education coaching

• Variety of degree programs

▶ Associate’s, bachelor’s, and master’s

▶ Specialized certificates

▶ High school diploma

▶ College preparatory courses

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Fertility Progyny 833-283-1968

Benefits Plus Mercer 800-626-9078

Auto and Home Insurance Benefits Plus 800-626-9078

Cleveland Clinic Heart ProgramContigo Health (formerly HDP)

877-230-0994

COBRA/Benefits Billing Lowe’s Service Center 844-HR-LOWES

Commuter Benefit Lowe’s Service Center 844-HR-LOWES

Critical Illness Allstate 877-215-0939

Dental Cigna 800-542-4296

Disability – Long-Term Cigna 800-238-2125

Disability – Short-Term Sedgwick 844-HR-LOWES

Allstate 877-215-0939

Employee Stock Purchase Plan E*TRADE 800-838-0908

calm: Work/Life Counseling Services Magellan 877-543-3875

Fixed Indemnity Allstate 877-215-0939

Flexible Spending Account (FSA) Lowe’s Service Center 844-HR-LOWES

Grand Rounds Second Opinion Grand Rounds 888-243-6643

Health Savings Account (HSA) Lowe’s Service Center 844-HR-LOWES

Hip/Knee Replacement ProgramContigo Health (formerly HDP)

877-230-0994

Lasik Vision Discount Program QualSight 866-750-7562

Life InsuranceMetLife 800-638-6420

Allstate 877-215-0939

Diabetes, Hypertension & Weight Management

Livongo 800-945-4355

Pre-Paid Legal MetLife Legal Plans 800-821-6400

Prescription Drug (except for Kaiser HMOs)

CVS Caremark 855-381-1661

Children’s Behavioral Support Rethink 800-714-9285

Telemedicine and Dermatology Teladoc 800-Teladoc

Vision VSP 800-877-7195

Benefits Enrollment SupportLowe’s Benefits Service Center

844-HR-LOWES

Tobacco Cessation Clickotine 877-352-5425

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DON’T FORGET!

Take your 2021 Benefits Contact Card with you.

Take the next steps towards your education at lowes.guildeducation.com


BENEFITS CONTACT CARD

Name: Sales ID:

Location #:

Medical plan:

Continued on reverse

Medical

Accolade Health Assistant (BCBS)

888-926-2404

Kaiser California 800-464-4000

Kaiser Colorado

Colorado Springs: 888-681-7878

Denver/Boulder: 303-338-3800

Kaiser Georgia 888-865-5813

Kaiser Hawaii 800-966-5955

Kaiser Northwest

Portland: 503-813-2000

Outside Portland: 800-813-2000

Kaiser Mid-Atlantic

DC metro area: 301-468-6000

Outside DC metro area: 800-777-7902

Kaiser Washington 888-901-4636

UnitedHealthcare 888-257-5689

401(k) Wells Fargo 800-728-3123

Off-the-Job Accident Allstate 877-215-0939

Accidental Death & Dismemberment (AD&D)

MetLife 800-638-6420

Tuition Reimbursement Guild Education 844-HR-LOWES

P Indicates a part-time benefit resource

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Documents